KAUSHAL KUMAR SINGH
Varanasi
Summary
Dynamic Credit Officer with extensive experience at Saraswat Co-operative Bank, adept at evaluating credit applications and conducting risk assessments. Proven ability to train junior staff and ensure compliance with regulations. Proficient in MS Office and skilled in analytical problem-solving, driving successful loan approvals and enhancing client relationships.
Overview
8
8
years of professional experience
Work History
Credit Officer
Saraswat Co operative bank
Noida
02.2025 - Current
- Evaluated credit applications for individual and business clients.
- Assessed financial statements to determine creditworthiness of applicants.
- Reviewed loan agreements for compliance with bank policies and regulations.
- Collaborated with clients to gather necessary documentation for credit assessments.
- Provided guidance to junior staff on credit evaluation processes and best practices.
- Conducted risk assessments to identify potential issues in loan approvals.
Credit Relationship Manager
HDB FINANCIAL SERVICES
02.2023 - 02.2025
- Cam appraise / Customer TVR / All deviation marked as per policy.
- Track Validation & Banking plotting & Good knowledge of Cibil.
- Making Assets viability / Pd and FI verification.
- Co-ordinate with legal, technical, FI and Risk.
- Training of CRE (Credit relationship executive).
- Report Directly to ACM.
Branch Operations Executive
TATA MOTORS FINANCE LTD.
01.2021 - 02.2023
- Loan approvals, Operational works and disbursal processes handling.
- Products: Commercial vehicles, Used vehicles
Site Engineer
M.S GROUP OF CONSTRUCTIONS
09.2018 - 10.2019
- Resolving issues, handling electrical problems and ensuring that work is completed according to specification.
Trainee (Intern)
BHILAI STEEL PLANT (SAIL)
07.2017 - 07.2017
- Working with team members to come up with the process of manufacturing rail tracks and steel plates from iron ore.
Education
B.Tech - engineering and technology
AKTU
01.2018
XII -
St.Joseph's Convent School
01.2014
X -
St.Joseph's Convent School
01.2012
Skills
- MS Office
- Google Drive
- Presentations
- Python
- Java
- C
- Html
- CSS
- JavaScript
Disclaimer
I do hereby clarify that information provided above is true to my belief and knowledge.
Languages
- Hindi
- English
- Hindi
Personal Information
- Father's Name: Mr. R.K Singh
- Date of Birth: 09/07/97
- Nationality: Indian
Languages
English
Proficient (C2)
C2
Hindi
Native
Native
Timeline
Credit Officer
Saraswat Co operative bank
02.2025 - Current
Credit Relationship Manager
HDB FINANCIAL SERVICES
02.2023 - 02.2025
Branch Operations Executive
TATA MOTORS FINANCE LTD.
01.2021 - 02.2023
Site Engineer
M.S GROUP OF CONSTRUCTIONS
09.2018 - 10.2019
Trainee (Intern)
BHILAI STEEL PLANT (SAIL)
07.2017 - 07.2017
B.Tech - engineering and technology
AKTU
XII -
St.Joseph's Convent School
X -
St.Joseph's Convent School